TellerScore

Headquartered in Liberty Township, Ohio, Valley Central Bank is a savings association with $186.7M in total assets and $146.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1884.

Valley Central Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 125th. Capital cushion contributes the most (100/100, 20.06%); loan quality contributes the least (28/100, 2.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.06%
Loan quality28/100
Noncurrent loans ÷ total loans: 2.17%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 96.3% · 16.4% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 17 points (79 → 62), mostly because the loan quality component weakened by 65 points.

TellerScore
627180Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202478
Q1 202579
Q2 202579
Q3 202580
Q4 202580
Q1 202663
Q2 202662
Tier 1 leverage ratio
5.00%12.98%20.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.97%
Q3 202420.72%
Q4 202420.50%
Q1 202520.44%
Q2 202520.26%
Q3 202520.43%
Q4 202520.28%
Q1 202619.98%
Q2 202620.06%
Noncurrent loans
0.09%1.13%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.21%
Q4 20240.11%
Q1 20250.11%
Q2 20250.21%
Q3 20250.21%
Q4 20250.20%
Q1 20262.03%
Q2 20262.17%
Return on assets
0.18%0.30%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.23%
Q4 20240.27%
Q1 20250.43%
Q2 20250.41%
Q3 20250.42%
Q4 20250.35%
Q1 20260.27%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$186.7M20.06%2.17%0.35%96.3%
Q1 202663$187.5M19.98%2.03%0.27%93.2%
Q4 202580$186.8M20.28%0.20%0.35%96.4%
Q3 202580$182.7M20.43%0.21%0.42%100.4%
Q2 202579$182.8M20.26%0.21%0.41%105.5%
Q1 202579$181.5M20.44%0.11%0.43%112.0%
Q4 202478$179.7M20.50%0.11%0.27%113.3%
Q3 202476$177.5M20.72%0.21%0.23%115.9%
Q2 202477$173.4M20.97%0.09%0.18%119.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.06%
96th
Total risk-based capital0.00%
24th
Problem loans2.17%
11th
Net charge-offs0.00%
68th
Return on assets0.35%
8th
Net interest margin3.52%
28th
Efficiency ratio87.8%
7th
Loans to deposits96.3%
15th
Uninsured deposits16.4%
77th
Loan-loss reserves1.26%
57th
Texas ratio7.7%
24th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Savings and Loan AssociationBank Bellefontaine, OH70 out of 100, Strong$186.1M10.9%0.03%vs
Farmers State BankBank West Salem, OH72 out of 100, Strong$187.5M9.3%0.00%vs
The Peoples Savings BankBank Urbana, OH57 out of 100, Moderate$189.3M9.0%0.87%vs
Independence BankBank Independence, OH81 out of 100, Strong$191.2M14.5%0.26%vs
The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH84 out of 100, Strong$193.1M15.3%0.26%vs
The First National Bank of WaverlyBank Waverly, OH41 out of 100, Below average$196.2M9.2%3.61%vs

Deposit insurance

Is my money safe at Valley Central Bank?

Yes. Valley Central Bank is an FDIC-insured institution (FDIC certificate #28555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.4% of deposits ($23.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Valley Central Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Valley Central Bank reported 85 home-loan applications under HMDA (LEI 549300KL7MLR63WYCF68): 74 originated ($19,170,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Valley Central Bank
Former names
Valley Central Savings Bank; The Valley Central Savings and Loan Company
Type
Savings association
FDIC certificate #
28555
RSSD ID
320070
Primary regulator
FDIC
Holding company
Valley Central Mhc
Established
January 1, 1884
Headquarters
6550 Princeton Glendale Rd, Liberty Township, OH 45011
Employees
28

Quick answers

Valley Central Bank: common questions

Is Valley Central Bank FDIC insured?

Yes. Valley Central Bank is an FDIC-insured institution (FDIC certificate #28555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Valley Central Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Valley Central Bank ever failed?

There is no failure record for FDIC certificate #28555 in the FDIC failed bank list.

How many branches does Valley Central Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Liberty Township

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs